Risk grade updatedRisk gradeEvidence verified
16 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Luoma Consulting Oy
Luoma Consulting Oy's registered office is Jyväskylä. It is a limited company. The company was established on 2019-07-12. It operates in the industry of business and other management consultancy activities.
Business ID 3011217-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3011217-7
- Sector
- Business and other management consultancy activities
- Municipality
- Jyväskylä
- Company form
- Limited company
- Registration date
- 2019-07-12
- Business ID registration date
- 2019-07-08
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Ohtonkuja 2 F, 40400, Jyväskylä
People and decision-makers
Luoma Päivi MaaritToimitusjohtaja
About Luoma Consulting Oy
Financial position and key figures for the company.
Luoma Consulting Oy's location municipality is Jyväskylä. It is a limited company. The company was established on 2019-07-12. It operates in the industry of business and other management consultancy activities. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +99.6%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Koulutus, konsultointi, valmennus, asuntosijoittaminen, osakesijoittaminen ja kaikki muu laillinen liiketoiminta.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Equity ratio99.6%
Operating profit (loss)-€3,010-€302 (-11.2%) vs previous periodPrevious: -€2,707
Profit (loss) for the financial year-€594+€33 (+5.3%) vs previous periodPrevious: -€627
Assets€9,015-€595 (-6.2%) vs previous periodPrevious: €9,609
Balance-sheet contextLatest financial period
Profit before taxes-€594Previous: No comparison value
Employees1Previous: 1
Operating profit (loss) trend5 periods
-€12,071
2021-12-31
-€2,788
2022-12-31
-€2,601
2023-12-31
-€2,707
2024-12-31
-€3,010
2025-12-31
Profit (loss) for the financial year trend5 periods
-€847
2021-12-31
-€337
2022-12-31
-€732
2023-12-31
-€627
2024-12-31
-€594
2025-12-31
Assets trend5 periods
€11,268
2021-12-31
€10,931
2022-12-31
€10,237
2023-12-31
€9,609
2024-12-31
€9,015
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 100.0 % | 100.0 % | 99.6 % | 99.6 % | 99.6 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | -78.8 % | - | - | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3011217-7
EU IDFIFPRO.3011217-7
MunicipalityJyväskylä
Current registered entries
2019-07-12Registered in Tax Administration (Tax Administration)
2019-07-12Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Luoma Päivi MaaritToimitusjohtajaSources: 4 · Confidence: 78%
Luoma Päivi MaaritVarsinainen jäsenSources: 3 · Confidence: 78%
Kalle LuomaHallitus: varajäsenSources: 1 · Confidence: 76%
Risk certificate
An open-data based company stability and risk signal.
BUSINESS.fi
BUSINESS.fi Luottoluokitus
Profile-specific risk signal based on open data
Automatic gradeNot a credit decision
B1
StableLuoma Consulting Oy
Grade downgradedA3 → B1 · new analysis 2026-10-18
60/100
Medium
Limited financial evidenceRegistry and statistics based
Financial development is mostly stable or mixed.
4 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
LiquidityNot enough history
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- Lower industry distress context
Risk factors to note
- Sufficient structured financial metrics are not available
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB1
2026-10-1860/100 · v0.15
A3 → B1 · -10 points- Assessment confidence: Low → Medium.
- Evidence quality: Usable financial evidence → Limited financial evidence.
- New risk factor: Sufficient structured financial metrics are not available.
A3
2026-09-1670/100 · v0.14
Oldest retained automatic assessment in this comparisonB1
2026-10-18
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 assessment.
Risk context
When sufficient source-backed financial metrics are not available for a Tier 1 assessment, BUSINESS.fi shows registry, industry, and regional context.
Industry risklow
72/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 7 years of registry continuity.
Registry and status signalsRajallinen
47/100
Registry history, filing recency, and active register markings are still limited or mixed.
Events & news
Verified events and sourced external company news in one timeline.
Registry timeline
Trade register notifications shown on a timeline.
7 register eventsLatest event: 2025-04-29
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2025-12-31.
This company profile has not been claimed yet
Luoma Consulting Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.